Community Link Federal Cu in Huntington, IN

Denied for a car loan even though my FICO rating is good. Checked into opening a bank account there because I thought it might be necessary to get a car loan approval. When I checked into their account terms, fees, and interest rates, I was seriously unimpressed. Why does anyone do business with a bank that charges you just to have an account, order checks, and get a paper statement? Ally Bank and Capital One 360 don't do this. Also, their employees are incredibly rude. I'm listed as a joint account owner on someone else's account and asked them if I could write myself a check on my bank account since being a joint owner makes me a member. They said "Well, THEY'RE responsible if it BOUNCES!". I have NEVER ONCE bounced a check in my entire life.